I don't know about most other countries but both France and Germany do have credit scoring agencies. The difference is that it mostly deals with negative entrie

I don't know about most other countries but both France and Germany do have credit scoring agencies. The difference is that it mostly deals with negative entries, i.e. you don't build credit by repaying loans but rather by never falling behind on your payment schedule (the German system uses a few additional factors). Banks usually don't care if you ever successfully repaid a loan nor do they ask that question. I don't know what US banks do apart from getting a credit score if somebody applies for a loan but I don't assume it's much less than banks do here: Assessing your income stability and looking at your large fixed expenses. I also don't think there are any, say, OECD countries without such credit scoring agencies.